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Does requesting a Credit Line increase......

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Anonymous
Not applicable

Does requesting a Credit Line increase......

.....count as a inquiry on your credit report/score that will HURT your score?

 

Just wondering if requesting the increase counts toward "Applying for new credit"  and all that garbage.

 

Thanks.

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Does requesting a Credit Line increase......

What Credit Card?  It all depends on the Credit Card Company. 
Message 2 of 4
score_building
Senior Contributor

Re: Does requesting a Credit Line increase......

this varies by issuer.  Chase, for example, is notorious for placing a hard inq. in response to a cli request.  while many other issuers, Capital One for eg., will typically accept a cli request with a soft inq. which doesn't impact score and isn't viewable to others who review your report.


@Anonymous wrote:

.....count as a inquiry on your credit report/score that will HURT your score?

 

Just wondering if requesting the increase counts toward "Applying for new credit"  and all that garbage.

 

Thanks.


DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 3 of 4
Anonymous
Not applicable

Re: Does requesting a Credit Line increase......

I'm glad I got rid of my Chase card then when Chase bought WAMU.  I miss WAMU..... Smiley Sad

 

Anyways, I replaced me Chase card with my WFB Cabelas Card.  (Worlds Foremost Bank). I have a sense that know one knows if they do or not since they are a credit card owned an operated by Cabelas.  So I might have to ask them???

 

Also, for the hell of it, how about Citi and HSBC?

 

Thanks.

Message 4 of 4
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